There are 508,732 beneficiaries enrolled in Original Medicare in Portland, Oregon, with Medicare Part A and B. Among them, 57.5% participate in a Medicare Advantage plan, well over the national average of 42.1%.

Portland Oregon Medicare plans

Supplemental Medicare plans, like Medicare Advantage plans, give enrollees healthcare benefits not included in Oregon’s Original Medicare Part A and Part B.

There are four main types of Supplemental Medicare plans. Medicare Advantage, Supplement Plans, Part D plans, and SNPs.

The costs for each plan vary with each provider and location, but we’ll look at the average rates for a typical 70-year-old male Portland resident in the charts below.

Cheapest Medicare Advantage plans in Portland, Oregon

Multnomah County has the most Medicare Advantage options in the state. Medicare beneficiaries looking for quality Portland, Oregon Medicare Advantage plan coverage have 45 different plans.

The most affordable HMO Medicare Advantage plan in Portland comes from Regence and has a $0 monthly premium and a low $3,400 maximum out-of-pocket (MOOP) cost. Humana offers another affordable HMO Medicare Advantage plan with another $0 monthly premium and a meager $5,700 MOOP.

Providence’s low-cost HMO Medicare Advantage plan is another quality option for Portland, Oregon, Medicare enrollees looking to expand their health coverage. It has a $0 monthly premium and a $5,500 MOOP.

PLAN PREMIUM MOOP Plan Type Star Rating
FamilyCare $0 $6,700 HMO N/A
Humana $0 $5,700 HMO N/A
Providence $0 $5,500 HMO N/A
Health Net $0 $3,950 HMO N/A
Regence $0 $3,400 HMO N/A

Affordable Medicare Supplement plans in Portland, Oregon

Medicare Supplement plans, commonly called Medigap plans, are optional Medicare packages that cover what Original Medicare doesn’t.

The primary benefit of Medigap plans is that the benefits for each letter plan remain the same, no matter where you live or what carrier you receive coverage from. However, the monthly premium will vary depending on factors such as location and medical history.

Plan F is the most popular Portland, Oregon Medicare Supplement plan and the most enrolled-in Medigap policy nationwide. It has more coverage than other Medigap options but costs the most on average, with expected monthly premiums ranging from $187.17 to $438.67.

Many Portland Medicare beneficiaries want the benefits of Plan F without the high premiums and enroll in High Deductible Plan F (HDF) as a middle ground. Enrollees pay an annual deductible as high as $2,500 for far cheaper premiums, ranging from $40 to $124.62 per month.

Plan G is another popular option in Portland. It provides nearly as much coverage as Plan F, but the average monthly premium payments range from $133.28 to $372.85.

PLAN A $113.74 $399.76
PLAN B $183.92 $344.87
PLAN C $212.40 $398.00
PLAN D $180.12 $312.55
PLAN F $187.17 $438.67
PLAN HDF $40.00 $124.62
PLAN G $133.28 $372.85
PLAN HDG $40.00 $61.32
PLAN K $57.29 $137.00
PLAN L $111.46 $243.15
PLAN M $192.50 $283.46
PLAN N $127.43 $301.48

Average Medicare Part D prescription drug plans

Portland, Oregon Medicare Part D plans cover prescription medications. They are highly sought-after supplemental Medicare plans since only a handful of Medicare Advantage policies cover prescription medicines, and Medigap plans don’t offer drug coverage.

Aetna’s $7.70 premium Medicare Part D plan is one of the most popular in Portland, Oregon. It has a $480 deductible and a three-star rating on a five-star scale that measures a plan’s overall effectiveness.

Wellcare’s low-cost Part D plan is another popular option. It also has a three-star rating and a $480 deductible but a slightly higher monthly premium of $11.60.

Humana’s Part D plan is one of the highest-rated in Portland, Oregon. It does have a $480 deductible and an average $22.70 monthly premium, but it also has a high four-star rating.

Aetna $7.70 $480 3
Wellcare $11.60 $480 3
Clear Spring Health $16.20 $480 2
Elixir Insurance $20.30 $480 3
Humana $22.70 $480 4

Medicare Special Needs Plans

Special Needs plans (SNPs) are a subset of Medicare Advantage available for enrollees with specialized medical needs and chronic disabilities. However, SNPs are only available in certain areas.

One of the most affordable Medicare SNPs comes from Pacificsource. It’s a dual-eligibility HMO plan with a $0 premium and a $6,700 MOOP.

United Healthcare also has an affordable plan with a less favorable $35 premium but one of the lowest MOOP costs at $750.

CareOregon has a unique SNP with a $40.50 monthly premium and a $3,400 MOOP, but it stands out as one of the few HMO-POS plan types in Portland.

PLAN PREMIUM MOOP Plan Type Eligibility
Pacificsource $0 $6,700 HMO Dual
UnitedHealthcare $4.20 $7,550 LOCAL PPO Chronic/Disabling
UnitedHealthcare $35.00 $750 LOCAL PPO Institutional
Ageright $40.50 $6,500 HMO Institutional
CareOregon $40.50 $3,400 HMO-POS Dual


How Do I Sign Up for Medicare in Portland, Oregon?

You can sign up for Medicare through any Portland Social Security office or online via the Social Security Administration’s website. However, the government automatically enrolls people over 65 with Social Security and Railroad benefits.

Are Medigap Premiums Based on Income in Portland, Oregon?

Portland insurance companies primarily base Medigap premiums on location and age. However, the companies have autonomy over their premium rates and set them on several factors.

What Happens If I Refuse to Add Part D in Portland, Oregon?

Medicare Part D isn’t mandatory in Portland, Oregon. However, you could face premium penalties if you don’t enroll in a Part D plan when you’re first eligible, then decide to enroll later.

Can You Switch from Medicare Advantage to Medigap in Portland, Oregon?

You can pivot from a Portland, Oregon Medicare Advantage plan to a Medigap plan as long as you switch coverage during the Medicare Advantage Open Enrollment Period (MAOEP) or Annual Election Period (AEP). OEP runs nationally from January 1 to March 31, and AEP from October 15 to December 7.

What Is the Maximum Income to Qualify for Medicare in Portland, Oregon?

There is no income limit to qualify for Original Medicare in Portland, OR. Your income must be less than $1,133 per month as an individual or $1,526 as a couple to be eligible for a Medicare Savings Program.

How to Sign Up for Supplemental Medicare in Portland sorts through the weeds of finding a quality supplemental Portland, Oregon Medicare plan for you by comparing rates and packages from all Portland providers for free. Call or complete our online form to get rates today.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.